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Allstate vs USAA Auto Insurance
Home » Allstate vs USAA Auto Insurance
Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...
Written by Jeffrey Johnson
Insurance Lawyer
Laura Walker graduated college with a BS in Criminal Justice with a minor in Political Science. She married her husband and began working in the family insurance business in 2005. She became a licensed agent and wrote P&C business focusing on personal lines insurance. Laura serviced existing business and wrote new business. She now uses her insurance background to help educate drivers about...
Reviewed by Laura Walker
Licensed Agent for 10 Years
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Allstate, the nation's second-largest automobile insurance company, and USAA, the country's premier auto insurer for military families, both command a large section of the auto insurance market.
Each company offers a wide range of auto insurance products and has loyal customer bases but which auto insurance company is right for you?
Learn more about Allstate and USAA auto insurance below. Then use our FREE quote tool to compare rates today!
Allstate Auto Insurance
Allstate Insurance began as an offshoot of the popular Sears Roebuck Corporation in the 1930's. Faced with a need to provide the "average family" with auto insurance, Sears Roebuck decided to form an insurance division and choose the name "Allstate" after a contest where customers suggested the name based on the reputation and reliability of Sears' tires.
Allstate does over $31 billion in business each year, and is one of the largest public corporations in America.
The company has the ability to pay claims in large amounts, making it very safe for consumers. Allstate was ranked in the top 200 of the world's largest companies by Fortune magazine in 2007.
Learn more about the Allstate Auto Insurance Company
USAA Auto Insurance
USAA, which stands for the United States Automobile Association, has been in business since 1922. The company was founded as a self-insurance venture by Army officers. Since then, the company has expanded to do $9.3 billion of business each year, and insures 8.4 million members of the military, veterans, and their families.
In order to purchase USAA insurance, you must be an active member of the armed forces, a veteran, or a dependent of a veteran. The company is based in San Antonio, Texas, and employs over 24,000 people.
Learn more about the USAA Auto Insurance Company
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Allstate Customer Satisfaction Review
Allstate's customer satisfaction ranked only "average" in the J.D. Power's independent ranking assessment of 2011. Allstate received average marks in all categories except "pricing," in which the ranking was "below average."
Allstate's rates tend to be a bit higher in smaller markets, where the number of customers is less than in metropolitan areas.
Allstate ranked 14th with a score of 781 in the J.D. Powers Customer Service Index, a 1,000-point scale of overall customer satisfaction. The pricing of Allstate's policies hurt the company's rating somewhat, although even in communication the company only ranked "average."
USAA Customer Satisfaction Review
Because USAA is only offered to a select group of customers, J.D. Power does not include USAA in the main set of results with the rest of the insurance companies.
However, J.D. Power still surveys USAA members and if USAA was allowed to be included in the overall rankings the company would be the number-one auto insurance provider in customer satisfaction nationwide, with a score of 898 on the 1,000-point customer satisfaction index.
In fact, USAA outranked Amica, the nation's "number one" customer satisfaction company, by almost 50 points. Customers gave USAA five stars in every category of the J.D. Power's survey.
Customer satisfaction with USAA is obviously high. However, because the company limits the people who can buy its insurance, this ranking may not help particular customers to make a decision about choosing the company as they may not be eligible to apply for USAA insurance.
Which Auto Insurance Company is Better – Allstate or USAA?
While it is difficult to make a direct comparison between the two companies, it is obvious that USAA has a far higher customer satisfaction rate than Allstate.
Customer loyalty is extremely important in the insurance industry, and Allstate has launched new advertising campaigns over the past few years, with incentives such as "accident forgiveness," to help boost its customer satisfaction base.
Allstate also offers many local agencies and offices, which allow customers to have a direct relationship with their agent. Many people appreciate this aspect of Allstate's business, as they feel they can receive personal attention to their claims from a "hometown" insurance agent.
However, USAA is not the company for everyone. Obviously the biggest disadvantage is that many people do not qualify for USAA insurance. If you are not a veteran or the child of a veteran, you simply cannot buy USAA insurance.
Further, USAA operates on a system of internet and direct-marketing sales, so people who rely on the convenience of a local agent may be disappointed at having to do all their business online or by phone.
Both Allstate and USAA are highly rated auto insurance providers it may be tough to choose between either one. Most drivers would be happy to insured by either of these companies.
However, no matter how good your first choices are, there are over 100 licensed auto insurance companies in most states so shop around and compare as many providers as you can before selecting an auto insurance company.
Get started and Compare Auto Insurance Quotes online today!
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